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Relationship Manager

Description

business development effort within the Maltese market;
supporting the development of credit approval documents including full review of company background, financials, financial analysis, solution structuring and documentation, analysing risks;
supporting the end-to-end implementation of a deal which includes onboarding, coordination with different areas of the bank, documentation and security;
assisting in planning the portfolio growth through the development of a business plan in alignment with the department budget and consistent with the overall bank asset / liability management objectives;
developing and maintaining the relationships with contacts / customers to maintain and expand business for a business pipeline and customer database;
cross sale of all FIMBank services;
pre-qualification, structuring and pricing of all facilities in his/her designated areas;
ensuring safe running of the client facility and adherence to all compliance and regulatory control requirements. Follows-up on exceptions to ensure timely clearing and implement prompt corrective action in line with policy, teamwork and guidelines;
reviewing facilities performance and profitability analysis and outlines strategies to ensure optimal portfolio profitability;
coordinating with various stakeholders and departments in servicing routine transactions, portfolio maintenance and solving customer queries, including follow-up of transactions (disbursement and settlements), customer onboarding, reviews, facility letters, etc;
keeping abreast of industry, competition, financial markets and other changes that may impact their portfolio or department;
contributing to positive team spirit within the department and other colleagues;
embracing targets and guidelines provided by the management;
ensuring documentation is orderly kept and compliance with all regulatory and group policies.

Responsibilities

a professional qualification preferably in Banking or Finance;
5+ years of corporate banking experience within the Maltese & International market: direct client management, lending, credit support, or similar industry related experience specifically targeting commercial loans;
deep knowledge of the Maltese & International corporate market and able to originate a strong client base;
proficiency in credit underwriting fundamentals and prior credit experience analysis including full financial and credit analysis. Formal credit training preferred;
excellent product (local corporate) knowledge with the ability to support FIM in its market positioning efforts, whilst contributing to adjusting our local framework with full awareness to inherent risk and potential reward balance;
strong relationship skills and able to build a profitable and safe portfolio from ground up;
a pro-active approach and strong communication skills to convey the banks strength, ideas and information effectively to a wide range of diverse audiences;
full knowledge of all lending and banking products such as Term Lending, RCF, Project Finance and FX as well as all working knowledge of compliance regulations;
knowledge of trade finance products and working capital facilities.
capability of working effectively in a team environment with minimal supervision;
the ability to work independently on origination and closure end to end including Credit analysis, credit application completion, documentation supervision and closure;
the willingness and ability to work on a hands-on basis end to end to bring a deal to closure and careful management of the relationship;
the ability to partner well, i.e. maintain solid positive and productive internal relations with support functions, credit executives, senior management, middle-office and legal etc
the experience to hit the ground running;
to work effectively under pressure and to achieve set targets;
strong verbal and written communication skills in English and Maltese;
be able to prioritize work effectively in line with business demands;
committed to self-development.

Hard Skills

Database and Queries
Document management
Relationship building
Marketing research
Customer success
Client management
Financial Reporting
Financial Modeling
Budgeting and Forecasting
Financial projections
Cross-functional collaboration
Performance reviews
Business planning
Risk assessments
Business analysis
Timelines
Advanced language knowledge
Advanced writing skills

Soft Skills

FIMBank plc

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Main info
Language Maltese, English
Experience level Mid Level
Job type Full Time
Salary negotiable
CountryMalta

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We offer

welcoming and professional environment;
work with a proactive, forward looking Team;
professional growth;
internal/External Learning and Development opportunities;
attractive salary;
health, life and personal accident insurance cover;
mortgage & personal loan interest subsidy;
pension plan;
commuting and parking allowance;
study support scheme;
fitness allowance;
child care allowance.

Relationship Manager

Description

business development effort within the Maltese market;

supporting the development of credit approval documents including full review of company background, financials, financial analysis, solution structuring and documentation, analysing risks;

supporting the end-to-end implementation of a deal which includes onboarding, coordination with different areas of the bank, documentation and security;

assisting in planning the portfolio growth through the development of a business plan in alignment with the department budget and consistent with the overall bank asset / liability management objectives;

developing and maintaining the relationships with contacts / customers to maintain and expand business for a business pipeline and customer database;

cross sale of all FIMBank services;

pre-qualification, structuring and pricing of all facilities in his/her designated areas;

ensuring safe running of the client facility and adherence to all compliance and regulatory control requirements. Follows-up on exceptions to ensure timely clearing and implement prompt corrective action in line with policy, teamwork and guidelines;

reviewing facilities performance and profitability analysis and outlines strategies to ensure optimal portfolio profitability;

coordinating with various stakeholders and departments in servicing routine transactions, portfolio maintenance and solving customer queries, including follow-up of transactions (disbursement and settlements), customer onboarding, reviews, facility letters, etc;

keeping abreast of industry, competition, financial markets and other changes that may impact their portfolio or department;

contributing to positive team spirit within the department and other colleagues;

embracing targets and guidelines provided by the management;

ensuring documentation is orderly kept and compliance with all regulatory and group policies.

Responsibilities

a professional qualification preferably in Banking or Finance;

5+ years of corporate banking experience within the Maltese & International market: direct client management, lending, credit support, or similar industry related experience specifically targeting commercial loans;

deep knowledge of the Maltese & International corporate market and able to originate a strong client base;

proficiency in credit underwriting fundamentals and prior credit experience analysis including full financial and credit analysis. Formal credit training preferred;

excellent product (local corporate) knowledge with the ability to support FIM in its market positioning efforts, whilst contributing to adjusting our local framework with full awareness to inherent risk and potential reward balance;

strong relationship skills and able to build a profitable and safe portfolio from ground up;

a pro-active approach and strong communication skills to convey the banks strength, ideas and information effectively to a wide range of diverse audiences;

full knowledge of all lending and banking products such as Term Lending, RCF, Project Finance and FX as well as all working knowledge of compliance regulations;

knowledge of trade finance products and working capital facilities.

capability of working effectively in a team environment with minimal supervision;

the ability to work independently on origination and closure end to end including Credit analysis, credit application completion, documentation supervision and closure;

the willingness and ability to work on a hands-on basis end to end to bring a deal to closure and careful management of the relationship;

the ability to partner well, i.e. maintain solid positive and productive internal relations with support functions, credit executives, senior management, middle-office and legal etc

the experience to hit the ground running;

to work effectively under pressure and to achieve set targets;

strong verbal and written communication skills in English and Maltese;

be able to prioritize work effectively in line with business demands;

committed to self-development.

Hard Skills

Soft Skills

We offer

welcoming and professional environment;

work with a proactive, forward looking Team;

professional growth;

internal/External Learning and Development opportunities;

attractive salary;

health, life and personal accident insurance cover;

mortgage & personal loan interest subsidy;

pension plan;

commuting and parking allowance;

study support scheme;

fitness allowance;

child care allowance.